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Lesaka TechnologiesJSE:LSK 83 Debt-to-EBITDA is 3.66 as of Mar. 2026, which is 1308% above its 10-year median of 0.26. GuruFocus rates JSE:LSK with a GF Score™ of 83/100 and a GF Value™ of R76.34 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,727 Software companies, Lesaka Technologies ranks worse than 87.2% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Lesaka Technologies's Debt-to-EBITDA or its related term are showing as below:
JSE:LSK'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -8.12 Med: 0.26 Max: 17.03
Current: 5.19
During the past 13 years, the highest Debt-to-EBITDA Ratio of Lesaka Technologies was 17.03. The lowest was -8.12. And the median was 0.26.
JSE:LSK's Debt-to-EBITDA is ranked worse than 87.2% of 1727
companies
in the Software industry
Industry Median: 1.04
vs JSE:LSK: 5.19
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Lesaka Technologies Debt-to-EBITDA Related Terms
Lesaka Technologies Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Lesaka Technologies's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
JSE:LSK vs IMXI, IIIV, CINT: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Lesaka Technologies's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lesaka Technologies Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Lesaka Technologies's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Lesaka Technologies's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Lesaka Technologies (JSE:LSK) has a Debt-to-EBITDA of 3.66 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Lesaka Technologies. This is 1308% above median its historical median of 0.26. According to the industry distribution chart, Lesaka Technologies ranks #1506 out of 1727 companies in the Software industry, placing it in the top 87.2%.
Is Lesaka Technologies' Debt-to-EBITDA too high?
Lesaka Technologies' current Debt-to-EBITDA of 3.66 is 1308% above median its 10-year median of 0.26. The Software industry median Debt-to-EBITDA is 1.04. Lesaka Technologies' value of 3.66 is 251.9% above this industry median. Based on the distribution chart, Lesaka Technologies ranks #1506 out of 1727 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Lesaka Technologies has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lesaka Technologies' Debt-to-EBITDA compare to IMXI and IIIV?
According to the Software industry distribution chart, Lesaka Technologies ranks #1506 out of 1727 companies for Debt-to-EBITDA. This places Lesaka Technologies in the lower half of its industry. The industry median Debt-to-EBITDA is 1.04. Lesaka Technologies' value of 3.66 is 251.9% above this benchmark. While the company's 10-year median is 0.26 vs. the industry median of 1.04, Lesaka Technologies has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.04, based on 1,727 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lesaka Technologies's current Debt-to-EBITDA of 3.66 is 251.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Lesaka Technologies. For the Software industry, the median Debt-to-EBITDA is 1.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lesaka Technologies's current Debt-to-EBITDA is 3.66, which is 1308% above median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lesaka Technologies stock overvalued right now?
Based on GuruFocus' analysis, Lesaka Technologies (JSE:LSK) is currently considered Fairly Valued. The stock's GF Value™ is R76.34, compared to a current price of R79.00 — trading 3.5% above its estimated fair value. The current Debt-to-EBITDA is 3.66, which is 1308% above median its 10-year median of 0.26 and 251.9% above the Software industry median of 1.04. Lesaka Technologies' overall GF Score™ is 83/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Lesaka Technologies (JSE:LSK), the current Debt-to-EBITDA is 3.66 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Lesaka Technologies (JSE:LSK) Overvalued in 2026?
Based on GuruFocus' analysis, Lesaka Technologies stock appears to be overvalued.
The current stock price of R79.00 is trading 3.5% above its estimated GF Value™ of R76.34.
GuruFocus considers Lesaka Technologies to be Fairly Valued.
Key valuation signals for JSE:LSK:
Debt-to-EBITDA: 3.66 (1308% above median its 10-year median of 0.26)
GF Value™: R76.34 vs. price of R79.00 (3.5% above fair value)
Industry Position: 251.9% above the Software median (#1506 of 1727)
No single metric tells the full story. See the JSE:LSK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lesaka Technologies Inc provides payment solutions, transaction processing solutions, and financial technologies. The company operates three reportable segments: Merchant, Consumer and Enterprise. Merchant, which focuses on both formal and informal sector merchants. Consumer, which focuses on individuals who have historically been excluded from traditional financial services and to whom it offers transactional accounts (banking), insurance, lending (short-term loans), payments solutions and various value-added services; and Enterprise, which comprises large-scale corporate and government organizations, including but not limited to banks, mobile network operators (MNOs) and municipalities, and, through Recharger, landlords utilizing Recharger's prepaid electricity metering solution.
83GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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